I have ordered a CRA with Experian. Im just waiting of the Pin arriving.

I want close it out. essentially remove if from my credit file & limit the negative affect it has, the best way to do this? im not sure

I'm not paying and haven't paid since 2011. Never received any response to the SAR or CCA.

The credit card was with Barclaycard in 2005.

I first made a payment to HFO in mid 2007 but only statred paying regularly by DD in 2009 - 2011 until i got a statement in Mid 2011 (the only 1 ive received) stating after paying £700 off a £1500 debt that i still owed HFO £1900. I have not made any further payments. That when i contacted the CAB and took it from there.

I sent a SAR to Barclaycard in 05/2011 - Citizens advice Bureau also sent a SAR to them in 07/2011

I sent a CCA to HFO in 05/2011

Citizens advice bureau contacted HFO and since then ive heard nothing until a letter in 10/2013 & also 1 in 02/2014 both from Turnbull Rutherford. These letter now say the outstanding balance is £1000.

I understand that i owe the debt, and i'm keen to resolve it for good.

Incidentally the statemnent (in 2011) states the debt is to HFO Services but the letter in 02/2014 states its to HFO Capital

If i put the claim in dispute, but what would that actually achieve? Would it not just suspend & prolong things?

Hi

I was wondering if someone can offer any advice.

I deferred on a credit card in my youth. Around £1500. This got passed on to HFO Service. After some contact I started paying it back. I payed around £800 back when I realised that they ahd added an extortionate amoun of interest on.

I went to citizens advice etc ad they contacted them and all went quiet for a year or so. I sent them a CCA & SAR letter but have already payed some money back. I heard nothing apart from letters from Turnbull & rutherford. They have recently contacted again to say I still owe approx £1100.

I really want to close this out and put an end to it once and for all. I was wondering if they ever accept reduced offers to close the issue as I know they can not legally ad there own interest on even thought they do.

I understand theyre licence is under review but would would happen to my debt if their licence as revoked.

How will this be afffecting my credit rating and how do I repair it?

I want to end this issue once and for all but what is the best way to do this.